| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCOTT WOOSTER3 | 26255 AMERICAN DR. SOUTHFIELD, MI 48034 | PRIORITY HEALTH | $110K | — | $110K | 4.64% |
| KRYSTN E. CLARK3 | 35735 MOUND RD. SOUTHFIELD, MI 48034 | PRIORITY HEALTH | $9K | — | $9K | 0.36% |
| SCOTT WOOSTER3 | 26255 AMERICAN DR. SOUTHFIELD, MI 48034 | PRIORITY HEALTH INSURANCE COMPANY | $13K | — | $13K | 4.63% |
| KRYSTN E. CLARK3 | 35735 MOUND RD. STERLING HEIGHTS, MI 48310 | PRIORITY HEALTH INSURANCE COMPANY | $1K | — | $1K | 0.37% |
| MEADOWBROOK INC3 Filed as: MEADOWBROOK INC. | 26255 AMERICAN DR. SOUTHFIELD, MI 48034 | DELTA DENTAL OF MICHIGAN | $7K | $204 | $7K | 5.97% |
| MICHIGAN CHAMBER SERVICES, INC.3 Filed as: MICHIGAN CHAMBER SERVICES INC. | 600 S. WALNUT ST. LANSING, MA 489332209 | DELTA DENTAL OF MICHIGAN | $4K | — | $4K | 3.77% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT, INC. | 35735 MOUND RD. STERLING HEIGHTS, MA 48310 | DELTA DENTAL OF MICHIGAN | $566 | — | $566 | 0.50% |
| MEADOWBROOK INC3 Filed as: MEADOWBROOK INC. | 16142 COLLECTION CTR. DR. CHICAGO, IL 60693 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $500 | $5K | 9.95% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT | 35735 MOUND RD. STERLING HEIGHTS, MI 48310 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $779 | $99 | $878 | 1.83% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 273 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH | 262 | $2.6M |
| Dental | DELTA DENTAL OF MICHIGAN | 281 | $114K |
| Vision | VISION SERVICE PLAN | 143 | $34K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 273 | $48K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 273 | $48K |
| Prescription drug(2 contracts, 2 carriers) | PRIORITY HEALTH | 262 | $2.6M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 273 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.